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hi all new to the board, need some advice on unenforceable debt a firm called key2law as been in touch about having my barclay card write off,i have tried to get a copy of my credit aggrement from barclays for about 2 years with no joy,key2law want £300 to start the process they said they will put my payments in escrow ? is this a scam or can they get the debt writen off ? advice needed please
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Re: unenforceable debt advice
There's no reason why you couldn't deal with the loan yourself, there are helpful guides and discussions on this site you can use, there is no need to give this company £300 or any other money. -
Re: unenforceable debt advice
£300 to a company that cannot do anything more than you can yourself with a bit of help? No way!
Plus send them the payments that would have gone on the debt? An even bigger no way.
You say you have been battling with Barclays for 2 years to get sight of an agreement?
If you can tell us what steps you have taken and what replies (excuses) you have had back from Barclays, then people here may be able to help and suggest courses of action.
Also, is debt the subject of current or imminent legal action by the creditor?Comment
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Re: unenforceable debt advice
There was a similar thread on key2law the other week for the exact same thing, i emailed them about it myself but no response - i would avoid at all cost.
By the way they act as debt collectors too according to their website its an area they specialize in, i haven't checked their credientials though, though its possible as both threads related to barclays accounts or cards, that they are collecting and it may be a ploy to get you to make a payment towards to the debt especially if its close to being statute barred (6 years since last payment or acknowledgement).
In fact leon, judging all your posts are related to the same issue and i responded to one of them, it may be your advertising the firm??Last edited by teaboy2; 31st August 2011, 11:52:AM.Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (LB),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.
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Re: unenforceable debt advice
It's less onerous than trudging up and down the High Street whilst wearing sandwich boards and he's finally posted to the right forum.Originally posted by teaboy2 View PostComment
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Re: unenforceable debt advice
i started all this process two years ago with a firm called credit clear services i had to pay them £250, its taken 2 years for them to tell me its unenforceable and all they have done is given my details to a solicitor ( key2law ) who want £300 to start the process of getting my debt write off, ive not paid the money cause it seems a scam, ive looked allover for some advice. not sure if one of you was trying to say i was advertising for this company ? im not i am a gas engineer and couldnt care less about this company would have just liked the debt gone, i owe £11000 to barclay card and have not missed a payment just seems it is all interest i payComment
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Re: unenforceable debt advice
As said, if you give us an account of what has happened and been done up until now, then people might be able to help or come up with suggestions.
That may be direct help, or we may be able as a last resort to suggest somewhere where you won't get ripped off for so called 'legal' advice.
But I don't think anyone here is going say "do this" or "go there" without a lot more info.Comment
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Re: unenforceable debt advice
credit clear services sent several letters to barclays to ask for a copy of my original aggrement they have not responded to any letter, credit clear said they dont think they have the original but they said they have to give them so much time to respond, not sure but seem to think they said something about act77/78 no idea what that means, after the required amount of time had passed they said barclays had broke some sort of code ( for not sending the aggrement ) after this had happend credit clear passed my case onto a solicitor that is where i am now, as said i have not missed a payment am not in default or anythingComment
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Re: unenforceable debt advice
I'm afraid I too am somewhat suspicious of your posts. Could you perhaps restore fiath by posting up the agreement you signed with Credit Clear Services, obviously removing personal details.
You have been exceedingly badly advised. All they have done by your account is send a request under the relevant section of the CCA to Barclaycard and failed to elicit any response. This does not mean they don't have the original agreement, nor that any agreement is unenforceable.
My best advice would be to find a solicitor who offers a no win no fee basis service to get your money back from these rogues and move on.
There is nothing here that cannot be handled easily yourself, and I suspect you know that.
I will look forward to reading the agreement signed with Credit Clear Services.Comment
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Re: unenforceable debt advice
ill have to dig deep for the aggrement i do have a few emails from them i could forward them on to you dont know how you put an attachment with this noteComment
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Re: unenforceable debt advice
Block out any personal details on the agreement or letters, (using a post it note perhaps), then scan it and save to your PC.
Then when you next post, click the paperclip symbol above and you will be able to upload the edited document to your post.
Or send to admin@legalbeagles.info with personal details covered and we can post it for you."Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012
)
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If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: unenforceable debt advice
i have forwarded the email to the legal beagles site for you to look at .just to let you know the mentioned company is rubbish i would not a
recommend them to anyone its taken 2 years and all i have done is lost money so i am not trying to promote themComment
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Re: unenforceable debt advice
I can't see what everyone doesn't understand. It's quite clear to me that the OP has been taken in by a company who claimed to be able to get his debts written off, charged him £250 up front and have done naff all except not get a copy of his CCA. There is absolutely no point or need to see his credit agreement with Clear Credit Services - what good would that serve? He is unlikely to get back any money from them, we all know how these Claims Management companies work. He might as well just forget the £250 already paid, put it down to experience and move on.
Having said that, Leon, if all you are wanting to do is prove the debt unenforceable in order to get it written off, then you've come to the wrong place. Debt avoidance is not encouraged and unenforceability isn't a get out of debt free card.
However, there may well be PPI, late payment charges etc that you could reclaim which would reduce your balance legitimately, so that's definitely worth looking atLast edited by WendyB; 1st September 2011, 22:51:PM.Is no longer hereComment
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Re: unenforceable debt advice
How did you pay the £250 ?
Section 75 of the cca may be of some assistance.
As for unenforceability it is a gamble. Nobody can 100% say the debt is unenforceable and the cases of write off are few and far between. At the moment your agreement is unenforceable as you say they have failed to comply with a section 78 request. Alas it is not that simple. This breach can be remedied. Section 131.
As for unenforceable under section 127, you'll need your paperwork.
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